Finance Factors, Ltd.: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Finance Factors, Ltd.'s strongest measure in Q2 2026 is assets per employee ($6.3M vs. a $7.2M peer median). Its weakest relative measure is net interest margin (2.78% vs. 3.89%).
| Measure | Finance Factors, Ltd. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.62% | 1.27% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.78% | 3.89% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.34% | 61.31% | Bottom third Ahead of 16% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $7.2M | Middle third Ahead of 35% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.96% | 82.77% | Context |
What it means for lending operations
Its efficiency ratio of 76.34% is above the 61.31% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- InFirst Bank Indiana, PA · $683M
- FirstBank Antlers, OK · $684M
- Constitution Bank, National Association Hillsboro, IL · $683M
- Geddes Federal Savings and Loan Association Syracuse, NY · $686M
- Asian Bank Philadelphia, PA · $686M
- First Federal Savings Bank Rochester, IN · $687M
Questions about Finance Factors, Ltd.
How big is Finance Factors, Ltd.?
Finance Factors, Ltd., established in 1952, is headquartered in Honolulu, HI. It reported $684M in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Finance Factors, Ltd.'s return on assets?
0.62% annualized in Q2 2026, against a 1.27% median for 999 U.S. banks with half to twice its assets, ahead of 14% of them.
What is Finance Factors, Ltd.'s efficiency ratio?
76.34% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 61.31%, and lower is better.
Is Finance Factors, Ltd. growing its loans?
Net loans shrank 9.1% over the year to Q2 2026, while deposits shrank 6.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Hawaii bank ranked.